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Send an enquiry anytime on WhatsApp. Staffed response hours: awaiting lender confirmation. Messages received outside staffed hours will be answered when the team is available.
Metro Pinjaman Berlesen
Personal loan costs
Review the repayment terms, maximum APR, fees and representative example before applying.
Personal-loan amount
Personal loans range from RM500 to RM100,000, with repayment periods from 6 to 60 months. Secured and unsecured options are available, subject to credit assessment and approval.
Minimum and maximum repayment period
Minimum repayment period: 6 months. Maximum repayment period: 60 months. Terms are subject to credit assessment and approval.
Maximum APR — unsecured loans
The maximum Annual Percentage Rate (APR) is 18%, including interest and applicable fees, for unsecured personal and business loans.
Unsecured personal and business loans
Flat interest rates for unsecured personal and business loans start from 8% per annum, subject to credit assessment and approval. Approved flat interest rates and repayment terms must meet the maximum APR ceiling. Your quotation will disclose the approved rate, financed charges, repayment schedule and total repayment.
Secured loans
Flat interest rates for secured loans start from 4% per annum, subject to credit assessment and approval. The maximum annual interest rate is 12%. Your quotation will disclose applicable charges, APR, repayment terms and total repayment.
For an unsecured personal loan providing RM5,000.00 cash received over 12 months, RM30.00 stamp duty is added to the financed balance, bringing it to RM5,030.00. At 8% flat interest per annum, total interest is RM402.40. Repayments are 12 monthly instalments of RM452.70, totalling RM5,432.40. The first instalment is due 30 days after disbursement, followed by monthly repayments. Actual loan terms are subject to credit assessment and approval.
Representative example — unsecured personal loan
- Cash received
- RM5,000.00
- Term
- 12 months
- Stamp duty
- RM5 per RM1,000 or part thereof, based on the applicable assessed agreement amount. Stamp duty financed in this example: RM30.00.
- Legal / witnessing charge
- RM0
- Financed balance
- RM5,030.00
- Interest calculation base
- The entire financed balance: RM5,030.00
- Interest calculation
- RM402.40
- 12 instalments
- 12 × RM452.70
- Total repaid
- RM5,432.40
- Total borrowing cost
- Total borrowing cost: RM432.40. Other specified fees: RM0.
- Fees and financed costs
- Legal/witnessing, application, processing/administration and early-settlement fees are RM0. Stamp duty is added to the financed balance rather than deducted from the cash received. Interest is calculated on the entire financed balance.
Visit our Kuala Lumpur office
Contact us on WhatsApp to arrange your visit and confirm the documents to bring.
Metro Pinjaman Berlesen
Jalan Metro 1, Metro Prima, 52100 Kuala Lumpur, Federal Territory of Kuala Lumpur
Loan enquiry FAQs
Answers explain the enquiry stage separately from assessment, approval and disbursement.
Can I receive funds within 24 hours?
Eligible applicants may receive funds within 24 hours after all required documents, approval, verification and agreement completion. Timing is not guaranteed.
Can I start with my MyKad?
Yes. Your MyKad is enough to start an eligibility enquiry. It is not an “IC-only” approval promise; our team will explain any additional documents needed before assessment can be completed.
What additional documents might be required?
For a personal loan, these may include recent payslips, bank statements, utility bills, an EPF statement and supporting property or tenancy documents where applicable. Requirements depend on your circumstances and the lender’s assessment.
Am I eligible with a monthly salary of RM3,000?
RM3,000 is the stated minimum monthly salary for a personal-loan enquiry, together with a steady source of income and Malaysian eligibility. Meeting this threshold lets you enquire but does not guarantee approval or a particular loan amount.
How much will I receive and repay?
Your quotation will show the cash received, itemised financed charges, approved interest rate, APR, repayment schedule and total repayment. Stamp duty is added to the financed balance rather than deducted from the cash received. Review the example above and your quotation before accepting the loan.
Can I visit your office?
Yes. The office is at Jalan Metro 1, Metro Prima, 52100 Kuala Lumpur, Federal Territory of Kuala Lumpur. Contact us on WhatsApp first to arrange your visit and confirm the documents to bring.
What documents are needed for a business loan?
Business applicants receive a separate checklist. Depending on the business and assessment, it may include the applicant’s MyKad, business registration documents, relevant statutory forms, recent business bank statements, utility bills, EPF records and other financial or supporting documents.